Personal credit status acquisition and integration method

Abstract

The invention provides a personal credit status acquisition and integration method. The personal credit status acquisition and integration method comprises the following steps of (1) acquiring personal credit information, wherein the personal credit information includes loan service information and credit card service information; (2) collating all of acquired transaction information to form unified-format service data items to be stored in a database and used for being inquired by a credit extension mechanism. The service data items comprise basic credit transaction information data items, guarantee information data items and special transaction information data items. By adopting the personal credit status acquisition and integration method, personal credit reports are finally formed through personal credit information acquisition and integration, and accordingly credit statuses of related information main bodies are scientifically and comprehensively described and used for being inquired by the credit extension mechanism, assessing borrowers' personal credit risk and helping the credit extension mechanism to assess repayment probability or default risk of counterparties in the future. The information asymmetry problem of the credit market is solved, and the credit extension mechanism is helped to recognize and manage the credit risk.

Description

technical field [0001] The invention relates to a method for assessing personal credit, in particular to a method for collecting and integrating personal credit status. Background technique [0002] With the continuous deepening of my country's market economy, the cross-regional economic activities of social entities are becoming more and more frequent, the scale of bank credit is also expanding, and the proportion of credit activities in the national economy is increasing. Due to the lack of full understanding of the credit situation, commercial banks bear higher credit risks than other industries, and are also the first to suffer from various credit problems. Long-term loans, triangular debts, fraudulent loans, malicious defaults and evasion of bank debts continue to breed. Under the new situation, commercial banks put forward a demand for information sharing, and urgently hope to have a borrower information sharing platform that can realize cross-bank information sharing...

AI Technical Summary

Problems solved by technology

[0003] The invention provides a method for collecting and integrating personal credit status, which solves the problem of information asymmetry in the credit market and helps credit institutions identify and manage credit risks